Monday, March 22, 2010

Starting to see some progress

I had trouble knowing I have $1000 sitting in a bank account knowing we are paying almost 30% interest on one of Hubby's credit cards. I know I whined and cried about the security of the cash, but the number did me in. I paid off two credit cards with the mini emergency fund. I've heard that money management is 20% brain and 80% emotion...well my emotions are well withing the normal limits on this one!

Now I feel like I've made progress. I actually have two less payments to worry about every month. They weren't big payments, and with the snowball method our monthly expenses do not change, the minimum payments that were being paid to the cards I paid off will now to go the next debt in line.  The longest it will take to be finished our debt snowball is next February and I can't wait...patience has never been a strong suit of mine!

The budget is working as good as can be expected. I still have trouble taking out a personal allowance. For some reason I just can't justify it! Hubby gets his allotment, the kids get what's the problem? Maybe if I saw the money piling up I would spend it, but I doubt it. I told Hubby yesterday that things like paying off debt were more important than taking personal spending cash. There is always somewhere else in the budget that could use the $50/bi-weekly more than I need it (or want) it!

The options with $1300 each year are nearly endless in my mind!
  • Pay down debt
  • Give to our church
  • Donate to charity
  • Quarterly weekend family getaways
  • Save for a real vacation
Maybe endless isn't the right word, but the ideas are raging just thinking about it!

I've been giving serious thought and prayer towards tithing to our church. Another quote I've heard, though I don't know who to give the credit is, if 10% can break you, your problems are deeper than you think. I know there have been months that we could be drowned by 10%, it has become obvious to me that God has given us more than 10% could ever make up for.

There is no price on salvation, God forgives all our sins and teaches us to forgive those who have sinned against us. When my days are done, it will not matter if I gave 10% or $0.10. What will matter is my willingness to learn His word and to live my life as God has planned.

There are some days where it is harder to forgive myself than it is to forgive those who have sinned against me. I have come to a point in my life where I believe God's plan for me is already in place and I am just 'along for the ride.'

This Sunday after Church #4 came and told me he wanted to go see Faith. We walked over to where she sleeps eternal and he talked to her as if she was sitting with us! How very touching to see a five year old believe in life everlasting.

While we visited and he 'decorated' (picking rocks off the road to place on her grave) I began to put more thought into the memorial stone I want placed. The ones I've seen with an angel standing in a hugging motion against the stone is the one that I like best. It's probably close to a $1000 saying it out loud makes it seem almost not a good idea! Think of the difference we could make with $1000. We could give a sizable donation to our church or the March of Dimes that would mean so much to Hubby and I. Guess I'll have to put some serious thought and prayer into this one!

Hugs and Love,

No comments:

Post a Comment